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UHC Preferred Medicare Advantage FL-0002 (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Preferred Medicare Advantage FL-0002 (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Preferred Medicare Advantage FL-0002 (HMO) in 2026, please refer to our full plan details page.
UHC Preferred Medicare Advantage FL-0002 (HMO) is a HMO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Broward County. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC Preferred Medicare Advantage FL-0002 (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UHC Preferred Medicare Advantage FL-0002 (HMO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For UHC Preferred Medicare Advantage FL-0002 (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $12.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $270.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $2900.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The UHC Preferred Medicare Advantage FL-0002 (HMO) plan features a yearly prescription drug deductible of $270. For Tier 1 preferred generics and Tier 2 generics, members enjoy no copay for 1-month and 3-month supplies at standard pharmacies and through standard mail order. This makes managing common medications highly affordable under this Medicare Advantage plan. Brand-name and specialized medications require coinsurance rather than flat copays. Tier 3 preferred brand drugs carry a 16% coinsurance, while Tier 4 non-preferred drugs require a 42% coinsurance. Specialty Tier 5 prescriptions are subject to a 30% coinsurance for a 1-month supply at standard pharmacies and mail-order services.
Additional Benefits
The UHC Preferred Medicare Advantage FL-0002 (HMO) plan offers robust coverage with many essential healthcare services available at no cost to members. Inpatient hospital stays, primary care visits, and home health services require no copay and no coinsurance, while specialist visits have a low copay of up to $15. For urgent and emergency needs, emergency room visits and ambulance services carry a $150 copay, which is waived if you are admitted. Routine dental, vision, and hearing exams are covered with no copays or coinsurance, alongside a $300 annual allowance for eyewear and up to 36 free one-way transportation trips. Members also benefit from no copays on durable medical equipment, lab services, and over-the-counter items, though copays or coinsurance apply to hearing aids, certain diagnostic procedures, and skilled nursing stays after 20 days.
Inpatient Hospital See details
UHC Preferred Medicare Advantage FL-0002 (HMO) covers inpatient acute and psychiatric hospital stays with no copay and no coinsurance, subject to prior authorization. While unlimited additional acute days are covered at no cost, please note that upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
UHC Preferred Medicare Advantage FL-0002 (HMO) covers outpatient services with no coinsurance, although prior authorization is required for most care. Outpatient hospital services have a copay of $0 to $150, observation services require a $150 daily copay, and there is no copay for ambulatory surgical center services, outpatient substance abuse sessions, or outpatient blood services.
Partial Hospitalization See details
The UHC Preferred Medicare Advantage FL-0002 (HMO) plan covers partial hospitalization services with no copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
UHC Preferred Medicare Advantage FL-0002 (HMO) covers ambulance services with a $150 copay and no coinsurance for both ground and air transport. Transportation services are partially covered with no copay or coinsurance for up to 36 one-way trips per year to plan-approved health-related locations, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency services for the UHC Preferred Medicare Advantage FL-0002 (HMO) plan are covered with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature no coinsurance and a copay ranging from $0 to $65, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
UHC Preferred Medicare Advantage FL-0002 (HMO) offers primary care, therapy, telehealth, and mental health services with no copay and no coinsurance. Specialist visits and other healthcare professionals cost between no copay and a $15 copay with no coinsurance, while routine podiatry requires a $15 copay with no coinsurance. Some chiropractic services are covered, but routine and other chiropractic services are not covered.
Preventive Services See details
UHC Preferred Medicare Advantage FL-0002 (HMO) covers preventive services with no copay and no coinsurance, including annual physicals, kidney disease education, fitness benefits, and home safety devices. This benefit is partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
UHC Preferred Medicare Advantage FL-0002 (HMO) offers partially covered hearing services, featuring no copay and no coinsurance for one routine annual hearing exam, while fitting and evaluation exams are not covered. Prescription hearing aids are partially covered with a $199 to $1,249 copay and no coinsurance for up to two aids yearly, excluding inner ear, outer ear, and over the ear types. OTC hearing aids are covered with a $199 to $829 copay and no coinsurance for up to two devices per year.
Vision Services See details
Vision services are covered by UHC Preferred Medicare Advantage FL-0002 (HMO) with no copay, no coinsurance, and no deductible, including one routine eye exam and eyewear up to a $300 annual limit. The benefit is partially covered, as other eye exam services, individual eyeglass lenses, and individual eyeglass frames are not covered.
Dental Services See details
UHC Preferred Medicare Advantage FL-0002 (HMO) features partially covered dental services with no copay and no coinsurance for covered care like cleanings, exams, x-rays, fluoride, restorative services, removable prosthodontics, and oral surgery. However, other diagnostic, other preventive, adjunctive general, endodontics, periodontics, maxillofacial prosthetics, implants, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
UHC Preferred Medicare Advantage FL-0002 (HMO) covers home infusion bundled services with no copay and no coinsurance, though Part D home infusion drugs are not included in the bundle. Covered Medicare Part B chemotherapy, radiation, and other drugs require no copay and between no coinsurance and 20% coinsurance, while Part B insulin has a $35 copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by UHC Preferred Medicare Advantage FL-0002 (HMO) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment benefits covered by UHC Preferred Medicare Advantage FL-0002 (HMO) include durable medical equipment (DME) with no copay and no coinsurance. Prosthetic devices, medical supplies, and diabetic services are also covered with no copays for supplies, while coinsurance of up to 20% applies to prosthetic devices and diabetic therapeutic shoes.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the UHC Preferred Medicare Advantage FL-0002 (HMO) with no coinsurance, though prior authorization is required. Members pay no copay for lab services, outpatient X-rays, and diagnostic radiological services, while diagnostic procedures and tests carry a $5 copay and therapeutic radiological services require a $30 copay.
Home Health Services See details
Home Health Services are covered by UHC Preferred Medicare Advantage FL-0002 (HMO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by UHC Preferred Medicare Advantage FL-0002 (HMO) with no coinsurance and required prior authorization, though in practice only some services are covered. Specifically, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation (which has a $15 copay), and Supervised Exercise Therapy for Symptomatic Peripheral Artery Disease (which has a $15 copay) are not covered.
Skilled Nursing Facility (SNF) See details
UHC Preferred Medicare Advantage FL-0002 (HMO) covers skilled nursing facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, a $150 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
UHC Preferred Medicare Advantage FL-0002 (HMO) offers partially covered Other Services, which include over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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